The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$111,990
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,474
−HK$3,539/mo
Today · 4.125%
HK$119,013
baseline
▲ 0.50% · 4.625%
HK$126,254
+HK$7,241/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,026/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,588
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,929
−HK$3,390/mo
Today · 4.125%
HK$131,319
baseline
▲ 0.50% · 4.625%
HK$138,241
+HK$6,922/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,638/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,388
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,568
−HK$4,247/mo
Today · 4.125%
HK$142,815
baseline
▲ 0.50% · 4.625%
HK$151,505
+HK$8,690/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$285,630/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,505
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,515
−HK$4,068/mo
Today · 4.125%
HK$157,583
baseline
▲ 0.50% · 4.625%
HK$165,889
+HK$8,306/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$315,166/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,786
−HK$9,832/mo
▼ 0.25% · 3.875%
HK$161,663
−HK$4,955/mo
Today · 4.125%
HK$166,618
baseline
▲ 0.50% · 4.625%
HK$176,756
+HK$10,138/mo
Deposit HK$14.73M · loan HK$34.38M · min. income ≈ HK$333,236/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,423
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,101
−HK$4,745/mo
Today · 4.125%
HK$183,846
baseline
▲ 0.50% · 4.625%
HK$193,537
+HK$9,691/mo
Deposit HK$14.73M · loan HK$34.38M · min. income ≈ HK$367,692/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,582
−HK$12,641/mo
▼ 0.25% · 3.875%
HK$207,852
−HK$6,371/mo
Today · 4.125%
HK$214,223
baseline
▲ 0.50% · 4.625%
HK$227,258
+HK$13,035/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$428,446/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,258
−HK$12,116/mo
▼ 0.25% · 3.875%
HK$230,272
−HK$6,102/mo
Today · 4.125%
HK$236,374
baseline
▲ 0.50% · 4.625%
HK$248,833
+HK$12,459/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$472,748/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,298 · Scale 2, in force from 26 Feb 2026)